MAS Financial Services Ltd.

Financial

	MAS Financial Serv	Paisalo Digital	Indostar Capital Fin
Operational Metrics
Banking Sector
Net Interest Margin	6.8 %	6.5 %	6.2 %
Fresh Slippages - Quarterly	47.14 Crs	n/a	n/a
NBFC
Cost of Borrowing	9.8 %	n/a	11.3 %
AUM - NBFC	12504.6 Crs	5230.2 Crs	7783.0 Crs
Capital to Risks Assets Ratio (CRAR)	25.22 %	39.5 %	33.0 %
Tier I Capital	23.19 %	30.4 %	28.46 %
Gross NPA	2.49 %	0.85 %	4.04 %
Net NPA	1.63 %	0.68 %	1.68 %
Financials
5 yr Average ROE	12.68 %	9.8 %	-3.36 %
5yr average Equity Multiplier	5.03	3.01	3.12
5yr Average Asset Turnover Ratio	0.12	0.15	0.12
5yr Avg Net Profit Margin	21.17 %	21.97 %	-8.37 %
5yr Avg Net Profit Margin	21.17 %	21.97 %	-8.37 %
5yr CAGR Net Profit	16.54 %	28.12 %	n/a
5yr CAGR Sales	20.58 %	17.38 %	2.74 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	2.19	2.3	0.99
P/E	17.65	17.16	5.63
Shareholdings
Promoter Holding	66.63 %	48.21 %	72.98 %
Share Pledged by Promoters	0.0	26.18 %	0.0
Change in Promoter Holding (3 Yrs)	-7.08 %	4.05 %	-16.23 %
Change in Mutual Fund Holding (3 Yrs)	4.65 %	0.26 %	0.0

Business

	MAS Financial Serv	Paisalo Digital	Indostar Capital Fin
Product Wise Break-Up	Product Wise Break-Up Interest Income 83.44 Gain On Assignment Of Financial Assets 9.58 Fees and Commission Income 6.53 Financing activities (NBFC) 0 0 0 0 Interest on loans - Loan portfolio 0 Others 0.45	Product Wise Break-Up Gain On Assignment Of Financial Assets 0 Fees and Commission Income 0 0 0 Interest on loans - Loan portfolio 0 Interest Income 0 NBFC 100.0 0	Product Wise Break-Up Gain On Assignment Of Financial Assets 0 Fees and Commission Income 5.75 Net gain on fair value changes 2.67 0 Interest Income 91.58 Interest Income 0 Financing activities (NBFC) 0 0
Loan Break-Up	Loan Break-Up Small & Medium Enterprises (SME) loans 40.1 Small & Medium Enterprises (SME) loans 36.2 Salaried Personal Loans 9.0 Commercial Vehicle Loans 7.7 2 Wheeler Loans 7.0	-	-
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up Rest of the World 0 India 100.0	Location Wise Break-Up Rest of the World 0 India 100.0
Customer Segment	Customer Segment Consumer Finance 100.0 Corporate 0 Retail 0	-	Customer Segment Consumer Finance 0 Corporate 99.0 Retail 1.0
AUM Break-Up	AUM Break-Up On Book 72.73 Off Book 27.27	-	-
Borrowings Break-Up	Borrowings Break-Up Loan From Banks 51.62 Direct Assignment (incl. co-lending) 21.16 Non-Convertible Debentures 14.43 Loan From Banks 10.08 0 Loans repayable on demand 0 Loans from related parties 0 Securitisation 0 CPs 0 Banks 0 NCD 0 Equity 0 Others 2.71	Borrowings Break-Up Loans repayable on demand from banks 18.32 Banks 0 0 Loans from related parties 0 Securitisation 0 Direct Assignment (incl. co-lending) 0 Non-Convertible Debentures 0 NCD 0 Equity 0 Loan From Banks 0 CPs 0 Others 81.68	Borrowings Break-Up Loans repayable on demand 0 Banking 25.0 0 Loans from related parties 0 Securitisation 14.0 Direct Assignment (incl. co-lending) 0 Non-Convertible Debentures 0 NCD 47.0 Equity 0 Loan From Banks 0 CPs 11.0 Others 3.0

MAS Financial Services Ltd.

MAS Financial Services Ltd.

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